Civic Intelligence

Southbridge Credit Union

EIN 04-2023790 • 501(c)14 • Southbridge, MA

View Organization Page

Profile

Provide financial products and personalized services that will assist our members in achieving their financial goals.

155 Main StreetSouthbridge, MA 01550

www.sbgecu.org

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

50th percentile

0.89x

Higher debt load relative to assets than 50% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2024

Liabilities / Revenue

60th percentile

16.73x

Higher debt load relative to revenue than 60% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2024

Net Margin

21st percentile

3.8%

Higher net margin than 21% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2024

Top Officer Pay

48th percentile

$317,979

Higher top officer pay than 48% of similar nonprofits.

Top officer pay equals 2.7% of source-year revenue.

$100M-$250M nonprofits • Source year 2024

Asset Growth

66th percentile

4.4%

Faster asset growth than 66% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Annualized from 2023 to 2024

Revenue Growth

37th percentile

12%

Faster revenue growth than 37% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets50th percentile

Assets

Up

$222,471,452

Up $9,404,854 (+4.4%) from 2023

Liabilities

Up

$198,688,494

Up $8,455,113 (+4.4%) from 2023

Net Assets

Up

$23,782,958

Up $949,741 (+4.2%) from 2023

Operations
Liabilities / Revenue60th percentileNet Margin21st percentile

Revenue

Up

$11,878,282

Up $1,289,067 (+12%) from 2023

Expenses

Up

$11,430,592

Up $1,098,973 (+11%) from 2023

Net Income

Up

$447,690

Up $190,094 (+74%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth66th percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$300M$200M$100M$0Assets 2010: $193,192,045Liabilities 2010: $172,699,443Net Assets 2010: $20,492,6022010Assets 2011: $186,067,396Liabilities 2011: $164,697,328Net Assets 2011: $21,370,0682011Assets 2012: $177,521,744Liabilities 2012: $155,410,612Net Assets 2012: $22,111,1322012Assets 2013: $170,794,240Liabilities 2013: $151,221,760Net Assets 2013: $19,572,4802013Assets 2014: $163,022,697Liabilities 2014: $141,946,135Net Assets 2014: $21,076,5622014Assets 2015: $167,626,310Liabilities 2015: $146,979,206Net Assets 2015: $20,647,1042015Assets 2016: $182,059,861Liabilities 2016: $160,768,098Net Assets 2016: $21,291,7632016Assets 2017: $186,380,188Liabilities 2017: $165,321,134Net Assets 2017: $21,059,0542017Assets 2018: $186,828,744Liabilities 2018: $165,680,518Net Assets 2018: $21,148,2262018Assets 2019: $189,072,301Liabilities 2019: $166,963,160Net Assets 2019: $22,109,1412019Assets 2020: $202,221,584Liabilities 2020: $179,596,676Net Assets 2020: $22,624,9082020Assets 2021: $204,683,991Liabilities 2021: $181,777,571Net Assets 2021: $22,906,4202021Assets 2022: $210,069,860Liabilities 2022: $187,249,351Net Assets 2022: $22,820,5092022Assets 2023: $213,066,598Liabilities 2023: $190,233,381Net Assets 2023: $22,833,2172023Assets 2024: $222,471,452Liabilities 2024: $198,688,494Net Assets 2024: $23,782,9582024

Highlighted filing

2024

Assets$222,471,452
Liabilities$198,688,494
Net Assets$23,782,958
Open 2024 Filing

Operations Trend

Revenue Growth37th percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$15M$10M$5.0M$0-$5.0MExpenses 2010: $10,055,2922010Expenses 2011: $9,541,4192011Revenue 2012: $9,579,163Expenses 2012: $8,631,566Net Income 2012: $947,5972012Revenue 2013: $8,481,885Expenses 2013: $8,185,865Net Income 2013: $296,0202013Revenue 2014: $7,579,672Expenses 2014: $7,740,616Net Income 2014: -$160,9442014Revenue 2015: $7,306,007Expenses 2015: $7,836,668Net Income 2015: -$530,6612015Revenue 2016: $8,054,377Expenses 2016: $7,731,385Net Income 2016: $322,9922016Revenue 2017: $8,752,163Expenses 2017: $8,589,565Net Income 2017: $162,5982017Revenue 2018: $8,820,160Expenses 2018: $8,627,254Net Income 2018: $192,9062018Revenue 2019: $9,399,424Expenses 2019: $8,941,507Net Income 2019: $457,9172019Revenue 2020: $8,804,606Expenses 2020: $8,635,831Net Income 2020: $168,7752020Revenue 2021: $8,395,141Expenses 2021: $7,941,976Net Income 2021: $453,1652021Revenue 2022: $9,370,814Expenses 2022: $8,248,124Net Income 2022: $1,122,6902022Revenue 2023: $10,589,215Expenses 2023: $10,331,619Net Income 2023: $257,5962023Revenue 2024: $11,878,282Expenses 2024: $11,430,592Net Income 2024: $447,6902024

Highlighted filing

2024

Revenue$11,878,282
Expenses$11,430,592
Net Income$447,690
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$222,471,452
Liabilities
$198,688,494
Net assets
$23,782,958
Revenue
$11,878,282
Expenses
$11,430,592
Net income
$447,690
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$222$199$23.8$11.9$11.4$0.45
2023Detailed filing. Detailed filing data is available for this year.$213$190$22.8$10.6$10.3$0.26
2022Detailed filing. Detailed filing data is available for this year.$210$187$22.8$9.37$8.25$1.12
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$205$182$22.9$8.40$7.94$0.45
2020Detailed filing. Detailed filing data is available for this year.$202$180$22.6$8.80$8.64$0.17
2019Facts available. Structured filing facts are available, but richer extracted sections are limited.$189$167$22.1$9.40$8.94$0.46
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$187$166$21.1$8.82$8.63$0.19
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$186$165$21.1$8.75$8.59$0.16
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$182$161$21.3$8.05$7.73$0.32
2015Detailed filing. Detailed filing data is available for this year.$168$147$20.6$7.31$7.84$0.53
2014Detailed filing. Detailed filing data is available for this year.$163$142$21.1$7.58$7.74$0.16
2013Detailed filing. Detailed filing data is available for this year.$171$151$19.6$8.48$8.19$0.30
2012Summary only. Only limited summary data is available for this year.$178$155$22.1$9.58$8.63$0.95
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$186$165$21.4$9.54
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$193$173$20.5$10.1
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Nov 15, 2025
Return Version
2024v5.1
Gross Receipts
$11,878,282
Mission and Program Overview

Mission

Provide financial products and personalized services that will assist our members in achieving their financial goals.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$172,699,097$171,728,577▼ $970,520
Savings and Temporary Cash Investments$8,302,322$24,670,193▲ $16,367,871
Rtn Earn Endowment Incm Other Fnds$22,833,217$23,782,958▲ $949,741
Investments in Publicly Traded Securities$15,170,991$8,713,273▼ $6,457,718
Land, Buildings, and Equipment, Net$5,583,314$5,169,349▼ $413,965
Cash and Non-Interest-Bearing Accounts$2,042,810$2,514,195▲ $471,385
Accounts Receivable$645,661$695,279▲ $49,618
Investments Other Securities$545,100$192,200▼ $352,900
Pledges and Grants Receivable$0$0→ $0
Receivable From Disqualified Prsn$0$0→ $0
Receivables From Officers Etc$0$0→ $0
Investments Program Related$0$0→ $0
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Intangible Assets$0$0→ $0
Inventories for Sale or Use$0$0→ $0
Loans From Officers Directors$0$0→ $0
Prepaid Expenses and Deferred Charges$0$0→ $0
Total Assets$213,066,598$222,471,452▲ $9,404,854
Other Assets Total$8,077,303$8,788,386▲ $711,083
Liabilities
Other Liabilities$189,336,137$197,571,134▲ $8,234,997
Escrow Account Liability$589,343$623,111▲ $33,768
Accounts Payable and Accrued Expenses$307,901$494,249▲ $186,348
Grants Payable$0$0→ $0
Mortgage Notes Payable Secured by Investment Property$0$0→ $0
Unsecured Notes Loans Payable$0$0→ $0
Deferred Revenue$0$0→ $0
Tax Exempt Bond Liabilities$0$0→ $0
Total Liabilities$190,233,381$198,688,494▲ $8,455,113
Net Assets / Fund Balance
Total Net Assets Fund Balance$22,833,217$23,782,958▲ $949,741
Total Liabilities and Net Assets / Fund Balance$213,066,598$222,471,452▲ $9,404,854

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$2,680,428$3,317,787$5,998,215
Leasehold Improvements$1,605,427$1,445,247$3,050,674
Equipment$489,103$2,056,499$2,545,602
Other Land Buildings$150,391$693,314$843,705
Land$244,000-$244,000
Compensation and Service Providers
Top Officer Pay48th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Katherine R TheodossPresident/CEOFT$270,406$47,573$317,979
Jeffrey CanniffCFO/TreasurerFT$198,644$18,907$217,551
Jo-Ann SantelliVP of Commercial LoansFT$119,712$27,856$147,568
Karen BrousseauSVP of Retail OperationsFT$128,741$16,412$145,153
Lynn MeroVP of Consumer LendingFT$121,111$20,294$141,405
Maria Garcia-TorresSVP of AdministrationFT$127,471$12,190$139,661
Phil CyrChairperson of the Board-$11,000-$11,000
John A LaflecheDirector (Resigned 11/2024)-$1,000-$1,000

Board Members and Trustees

NameTitle
Amy HowardDirector
Benjamin TullyDiRECTOR
James KeyesDirector
Jose DingaiDireCTOR
Madaline I BonadeiesDirector
Michelle M AndersondIRECTOR
Rebecca BrusoDireCTOR
Robert CapreraDiRECTOR
William TrifoneDirector
Gary FontaineDirector (as of 9/24/2024)
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$9,956,574
Investment Income
$714,513
Other Revenue
$1,207,195
Change in Net Assets
$447,690

Audited Revenue Reconciliation

Revenue per Audited Statements
$11,878,282
Revenue Not Reported on Form 990
$57,619
Total Revenue per Audited Statements
$11,935,901
Total Revenue per Form 990
$11,878,282
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$7,756,352
Salaries, Compensation, and Employee Benefits$3,559,128
Grants and Similar Amounts Paid$115,112
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Interest---$2,793,112
Other Salaries and Wages---$2,169,856
Occupancy---$854,918
Information Technology---$712,496
Depreciation Depletion---$620,878
Other Employee Benefits---$507,406
Current Officers, Directors, Trustees, and Key Employees---$481,050
All Other Expenses---$410,550
Advertising---$393,190
Office Expenses---$260,020
Other Expenses---$255,619
Payroll Taxes---$222,769
Pension Plan Contributions---$178,047
Fees for Services Accounting---$160,476
Grants to Domestic Orgs---$107,112
Fees for Services Legal---$12,130
Travel---$10,279
Grants to Domestic Individuals---$8,000
Insurance---$3,624
Fees for Service Investment Mgmnt Fees---$1,395
Total Functional Expenses$0$0$0$11,430,592

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$11,430,592
Total Expenses per Audited Statements$11,430,592
Total Expenses per Form 990$11,430,592
International Activity

Grant and Assistance Recipients

RecipientLocationCategoryPurposeAmount
Opacum Land TrustSturbridge, MA501(c)(3)Exempt Purpose$8,640
Friends of Sturbridge-Fiskdale Seniors IncSturbridge, MA501(c)(3)Exempt Purpose$7,000
Ymca Teen Center PledgeWorcester, MA501(c)(3)Exempt Purpose$6,000
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Fundraising Direct Expenses$0
Fundraising Gross Income$0
Gaming Direct Expenses$0
Gaming Gross Income$0
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Subject to proxy tax
No
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Loans from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Receivables from Disqualified Persons$0$0→ $0
Receivables from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Deposits$193,150,728
Fhlb Borrowings$2,000,000
Right-of-use$1,920,711
Other Liabilities$499,695
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
Yes
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
No
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“The credit unions is a members only credit union chartered in massachusetts. Membership in the southbridge credit union is available to persons, businesses and organizations that are either residing, working or operating within our sphere of operation. This is the massachusetts counties of worcester, bristol, franklin, hampshire, norfolk, hampden, windham and middlesex, and within a 25-miles radius of our main branch, in southbridge, which borders connecticut.”

Form 990, Part VI, Section A, Line 7A

“The members vote for the board of directors at the annual meeting and vote on all business presented at the annual meeting.”

Form 990, Part VI, Section A, Line 7B

“The members vote for the board of directors at the annual meeting and vote on all business presented at the annual meeting.”

Form 990, Part VI, Section B, Line 11B

“By board approval form 990 will be reviewed by southbridge credit union's treasurer/cfo or president/ceo prior to being filed.”

Form 990, Part VI, Section B, Line 12C

“The credit union has a conflict of interest policy in place. The board of directors review the conflict of interest policy annaully.”

Form 990, Part VI, Section B, Line 15A

“Compensation of president/ceo: the southbridge credit union's personnel committee completes an employee evaluation on the president/ceo and then the evaluation and compensation recommendation is brought to the southbridge credit union's board for approval. The president/ceo completes an employee evaluation for all other southbridge credit union's officers and approves the compensation staying within the current year's budget which had been approved by the board of directors.”

Form 990, Part VI, Section C, Line 19

“Documents available to public, southbridge credit union's audit committee signs a monthly statement of condition, which is posted in the lobby of each branch location the third week of each month. All other governing documents and conflict of interest policy are available upon request.”

Filing and Contact Details

Filer

Filer Name
Southbridge Credit Union
EIN
04-2023790
In Care Of
% JEFFREY CANNIFF
Phone
5087655454
Address
155 Main Street, Southbridge, MA 01550

Signing Officer

Name
Jeffrey Canniff
Title
Treasurer/CFO
Phone
5089097172
Signed
2025-11-15
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Jeffrey Canniff
Formed
1938
Legal Domicile
Ma
Voting Board Members
10
Independent Board Members
9
Employees
56
Volunteers
11

Preparer

Firm
Wolf & Company PC
Address
255 State Street, Boston, MA 02109
Preparer
Karen Ng EA
Phone
6174399700
Supplemental Narrative

Additional Explanations

Form 990, Part I, Line 1, Description of Organization Mission

“Provide financial products and personalized services that will assist our members in achieving their financial goals.”

Form 990, Part XII, Line 2C

“There was no change in the oversight process or selection process during the tax year.”

Form 990, Part XI, Line 9, Changes in Net Assets

“Csv life insurance 57,619”

Financial Statement Notes

Part IV, Line 2B

“An escrow account is maintained for each mortgage where escrow of real estate taxes & home owners insurance is required. The credit union complies with all federal & state laws regarding disclosures and operation of these accounts.”

Part X, Line 2

“Tax positions taken or expected to be taken, including the position that the Credit Union qualifies as a tax exempt entity, are required to be evaluated to determine whether the tax positions are "more-likely-than-not" to be upheld under regulatory review. Tax positions not deemed to meet the more-likely than-not threshold would be accrued and disclosed in the financial statements. There are no uncertain tax positions that require accrual or disclosure at December 31, 2024 or 2023. The Credit Union would record interest and penalties as part of income tax expense. No interest or penalties were recorded for the years ended December 31, 2024 or 2023. The Credit Union's tax returns for fiscal years ended December 31, 2021 to present are subject to review by federal and state taxing authorities.”

Part XI, Line 2D - Other Adjustments

“Csv life insurance 57,619”

Raw XML AppendixShowing 400 of 625 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

Path#Value
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IRS990/Form990PartVIISectionAGrp/PersonNm0Katherine R Theodoss
IRS990/Form990PartVIISectionAGrp/PersonNm1Jeffrey Canniff
IRS990/Form990PartVIISectionAGrp/PersonNm2Jo-Ann Santelli
IRS990/Form990PartVIISectionAGrp/PersonNm3Karen Brousseau
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IRS990/Form990PartVIISectionAGrp/PersonNm9Michelle M Anderson
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IRS990/Form990PartVIISectionAGrp/PersonNm15Amy Howard
IRS990/Form990PartVIISectionAGrp/PersonNm16Rebecca Bruso
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IRS990/Form990PartVIISectionAGrp/TitleTxt0President/CEO
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IRS990/Form990PartVIISectionAGrp/TitleTxt2VP of Commercial Loans
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